Ogden FHA Loan Rates, Closing Costs & Stats

OGDEN-CLEARFIELD, UT

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Ogden's 115 lenders originated 2,657 FHA loans during 2024. The total origination value was $1,098,585,000, with an average FHA loan value of $413,468.

    Ogden FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Ogden averaged 6.77% for the week of 2025-05-23, compared to the national average (all FHA variants) of 6.612% for the same period.

    Ogden's average FHA mortgage closing costs are $10,880.

    The average rate for the prior week (2025-05-16) was 6.4% and one month ago for the week of 2025-04-18, the average rate was 6.43%.

    The average rate one year ago was 6.6%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.49%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Ogden FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Ogden level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 374 6.00% $15,451
    GUILD MORTGAGE COMPANY 199 6.27% $17,648
    INTERCAP LENDING INC. 138 6.31% $15,230
    QUICKEN LOANS, LLC 136 6.10% $15,839
    Century Mortgage Company DBA Century Lending Company 115 6.07% $15,323
    Plains Commerce Bank 75 6.41% $18,020
    FIRST COLONY MORTGAGE CORPORATION 73 5.97% $16,856
    CASTLE & COOKE MORTGAGE, LLC 59 6.34% $17,073
    RANLIFE, INC. 56 6.03% $18,610
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 51 6.29% $15,628
    FREEDOM MORTGAGE CORPORATION 49 6.33% $17,183
    SECURITYNATIONAL MORTGAGE COMPANY 46 6.38% $17,837
    PENNYMAC LOAN SERVICES, LLC 45 5.89% $13,821
    CLM MORTGAGE, INC 42 5.85% $16,964
    BROKER SOLUTIONS, INC. 39 6.61% $16,643
    The Loan Store, Inc. 36 6.08% $16,961
    Bank of Utah 34 6.25% $11,256
    Paramount Residential Mortgage Group, Inc. 33 6.54% $15,729
    LAKEVIEW LOAN SERVICING, LLC 29 6.08% $10,928
    MY MOVE MORTGAGE, LLC 28 6.01% $18,509
    GOLDENWEST 27 5.94% $13,511
    PRIMARY RESIDENTIAL MORTGAGE, INC. 24 6.53% $13,232
    CANOPY MORTGAGE, LLC 23 6.13% $16,595
    PLAZA HOME MORTGAGE, INC. 23 6.81% $14,685
    PRIMELENDING, A PLAINSCAPITAL COMPANY 22 6.28% $17,299
    MOUNTAIN AMERICA 22 5.55% $13,715
    NEWREZ LLC 22 6.01% $14,621
    CROSSCOUNTRY MORTGAGE, LLC 22 6.30% $17,946
    LOANDEPOT.COM, LLC 20 6.03% $16,641
    SECURITY HOME MORTGAGE, LLC. 16 6.23% $18,811
    HOMEAMERICAN MORTGAGE CORPORATION 16 4.41% $10,842
    DIRECT MORTGAGE, CORP. 16 6.20% $15,157
    Equity Prime Mortgage LLC 15 7.37% $17,747
    Mr. Cooper ( Nationstar Mortgage ) 14 6.39% $18,648
    AMERICAN PACIFIC MORTGAGE CORPORATION 14 6.59% $13,531
    ON Q FINANCIAL, INC. 13 6.31% $14,214
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 6.28% $12,418
    CMG MORTGAGE, INC. 12 6.14% $15,458
    JMAC LENDING, INC. 12 5.92% $14,077
    INSPIRE HOME LOANS INC. 12 5.60% $17,830
    Carrington Mortgage Services, LLC 10 6.21% $18,459
    VAN DYK MORTGAGE CORPORATION 10 6.29% $13,567
    AMERICA FIRST 9 6.72% $14,468
    Hometown Equity Mortgage, LLC 9 6.15% $16,540
    VILLAGE CAPITAL MORTGAGE 8 6.23% $12,085
    AMERICAN FINANCING CORPORATION 8 5.89% $16,913
    AMERISAVE MORTGAGE CORPORATION 8 6.09% $17,424
    GUARANTEED RATE, INC. 8 6.15% $14,145
    GARDNER FINANCIAL SERVICES, LTD. 7 6.45% $21,287
    LOANPAL, LLC 7 5.70% $16,514
    Flagstar Bank, FSB 7 6.32% $12,224
    GUARANTEED RATE AFFINITY, LLC 6 6.08% $16,489
    MICHIGAN MUTUAL, INC. 6 5.69% $18,765
    American Mortgage & Equity Consultants, Inc. 6 6.29% $21,406
    AMERICAN FINANCIAL NETWORK, INC. 6 6.96% $15,683
    CARDINAL FINANCIAL 6 6.10% $16,843
    CITY FIRST MORTGAGE SERVICES, L.L.C. 6 6.71% $14,647
    Sierra Pacific Mortgage Company, Inc. 6 6.21% $14,299
    PLANET HOME LENDING, LLC 5 5.37% $13,977
    Franklin Loan Corporation 5 5.95% $16,604
    MORIA DEVELOPMENT, INC. 5 6.73% $14,740
    VERITAS FUNDING, LLC 4 6.16% $19,226
    BAY EQUITY LLC 4 5.91% $13,024
    AmeriHome Mortgage Company, LLC 4 6.47% $7,240
    SWBC MORTGAGE CORPORATION 4 6.38% $9,767
    Utah Mortgage Loan Corporation 4 6.38% $10,346
    AXIA FINANCIAL, LLC 3 6.42% $15,318
    CORNERSTONE HOME LENDING, INC. 3 6.54% $12,014
    SUN WEST MORTGAGE COMPANY, INC. 3 6.50% $12,199
    MID AMERICA MORTGAGE, INC. 3 6.13% $18,353
    NATIONS RELIABLE LENDING, LLC 3 5.96% $12,714
    Network Funding, L.P. 3 6.17% $12,069
    U.S. Bank 3 5.67% $12,156
    TOP FLITE FINANCIAL, INC. 3 6.08% $18,516
    HOMESIDE FINANCIAL, LLC 3 6.38% $16,847
    CITYWIDE HOME LOANS, LLC 2 6.81% $19,085
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.00% $27,946
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.50% $18,879
    KeyBank 2 5.75% $22,193
    PREMIA MORTGAGE, LLC 2 6.50% $12,090
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.56% $14,458
    ZILLOW HOME LOANS, LLC 2 6.13% $14,336
    Glacier Bank 2 6.63% $14,899
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.00% $14,156
    CYPRUS Federal Credit Union 2 5.75% $14,181
    SUN AMERICAN MORTGAGE COMPANY 2 6.38% $16,205
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 6.56% $16,321
    V.I.P. MORTGAGE, INC. 2 7.25% $14,433
    Zions Bank 1 7.13% $11,413
    Barrington Bank & Trust Company, N.A. 1 6.00% $17,578
    BETTER MORTGAGE CORPORATION 1 6.50% $9,006
    CALCON MUTUAL MORTGAGE LLC 1 6.75% $17,950
    City Lending Inc. 1 7.75% $23,368
    Cornerstone First Mortgage, Inc 1 6.25% $16,230
    D. L. Evans Bank 1 5.75% $11,985
    EAGLE HOME MORTGAGE, LLC 1 4.99% $14,386
    EVERETT FINANCIAL, INC. 1 6.38% $14,340
    Goldwater Bank, N.A. 1 6.25% $13,134
    LADERA LENDING, INC. 1 6.25% $17,028
    Meridian Bank Corporation 1 6.25% $18,293
    MORTGAGEONE, INC. 1 6.13% $9,189
    Mortgage Research Center, LLC 1 5.75% $7,650
    NBKC BANK 1 5.49% $11,445
    NORWICH COMMERCIAL GROUP, INC. 1 5.75% $6,556
    NP, Inc. 1 6.13% $11,807
    OPEN MORTGAGE, LLC 1 5.63% $10,598
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.25% $17,496
    Prosperity Home Mortgage, LLC 1 6.25% $11,533
    SCENIC OAKS FUNDING, INC. 1 5.75% $20,277
    Summit Mortgage Corporation 1 6.13% $17,678
    The Federal Savings Bank 1 6.13% $25,689
    UNION HOME MORTGAGE CORP. 1 6.63% $17,184
    UTAH COMMUNITY 1 6.13% $10,111
    Waterstone Mortgage Corporation 1 7.13% $19,597
    ALAMEDA MORTGAGE CORPORATION 1 6.75% $20,155

    The top Ogden FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 374 FHA loans originated. Their average total fees are $15,451, which is $2,196 lower than the next largest lender, GUILD MORTGAGE COMPANY.

    The lowest fee Ogden FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($10,842), LAKEVIEW LOAN SERVICING, LLC ($10,928), Bank of Utah ($11,256), ARK-LA-TEX FINANCIAL SERVICES, LLC. ($12,418) and PRIMARY RESIDENTIAL MORTGAGE, INC. ($13,232).

    The lowest rate Ogden FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (4.41%), MOUNTAIN AMERICA (5.55%), INSPIRE HOME LOANS INC. (5.60%), CLM MORTGAGE, INC (5.85%) and PENNYMAC LOAN SERVICES, LLC (5.89%).

    Ogden FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    OGDEN-CLEARFIELD, UT BOX ELDER 2020 $646,300 $827,400 $1,000,100 $1,242,900
    OGDEN-CLEARFIELD, UT DAVIS 2020 $646,300 $827,400 $1,000,100 $1,242,900
    OGDEN-CLEARFIELD, UT MORGAN 2020 $646,300 $827,400 $1,000,100 $1,242,900
    OGDEN-CLEARFIELD, UT WEBER 2020 $646,300 $827,400 $1,000,100 $1,242,900
    OGDEN-CLEARFIELD, UT BOX ELDER 2023 $744,050 $952,500 $1,151,400 $1,430,900
    OGDEN-CLEARFIELD, UT DAVIS 2023 $744,050 $952,500 $1,151,400 $1,430,900
    OGDEN-CLEARFIELD, UT MORGAN 2023 $744,050 $952,500 $1,151,400 $1,430,900
    OGDEN-CLEARFIELD, UT WEBER 2023 $744,050 $952,500 $1,151,400 $1,430,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Ogden (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $356,400 (6.1%) $421,843 (9.5%) 1.32 945
    2018-02-01 $372,475 (3.1%) $447,565 (9.5%) 1.35 868
    2018-03-01 $389,900 (5.3%) $467,890 (10.3%) 1.37 877
    2018-04-01 $390,420 (2.8%) $470,775 (8.5%) 1.32 947
    2018-05-01 $389,900 (3.4%) $473,675 (10.1%) 1.30 1,065
    2018-06-01 $389,900 (5.0%) $474,379 (11.7%) 1.30 1,171
    2018-07-01 $381,400 (5.9%) $466,500 (12.7%) 1.27 1,307
    2018-08-01 $374,925 (7.2%) $453,037 (11.0%) 1.26 1,461
    2018-09-01 $369,950 (8.9%) $445,001 (11.6%) 1.24 1,593
    2018-10-01 $368,250 (8.8%) $448,438 (11.4%) 1.25 1,593
    2018-11-01 $367,475 (6.9%) $450,541 (11.8%) 1.25 1,526
    2018-12-01 $375,000 (7.2%) $464,467 (14.8%) 1.29 1,371
    2019-01-01 $384,900 (8.0%) $484,545 (14.9%) 1.33 1,214
    2019-02-01 $389,450 (4.6%) $488,713 (9.2%) 1.32 1,153
    2019-03-01 $400,854 (2.8%) $506,938 (8.4%) 1.31 1,116
    2019-04-01 $414,950 (6.3%) $517,267 (9.9%) 1.32 1,155
    2019-05-01 $399,900 (2.6%) $503,683 (6.3%) 1.25 1,286
    2019-06-01 $399,000 (2.3%) $497,912 (5.0%) 1.25 1,348
    2019-07-01 $394,310 (3.4%) $491,300 (5.3%) 1.23 1,411
    2019-08-01 $385,787 (2.9%) $486,155 (7.3%) 1.22 1,439
    2019-09-01 $374,038 (1.1%) $474,771 (6.7%) 1.20 1,501
    2019-10-01 $364,900 (-0.9%) $469,349 (4.7%) 1.18 1,529
    2019-11-01 $367,940 (0.1%) $469,656 (4.2%) 1.21 1,404
    2019-12-01 $377,450 (0.7%) $491,886 (5.9%) 1.26 1,127
    2020-01-01 $395,625 (2.8%) $543,558 (12.2%) 1.32 922
    2020-02-01 $402,100 (3.3%) $575,382 (17.7%) 1.32 795
    2020-03-01 $410,851 (2.5%) $584,331 (15.3%) 1.29 858
    2020-04-01 $399,093 (-3.8%) $523,479 (1.2%) 1.25 1,095
    2020-05-01 $425,565 (6.4%) $578,130 (14.8%) 1.29 911
    2020-06-01 $454,500 (13.9%) $625,271 (25.6%) 1.34 796
    2020-07-01 $462,800 (17.4%) $632,599 (28.8%) 1.34 674
    2020-08-01 $446,997 (15.9%) $639,893 (31.6%) 1.28 553
    2020-09-01 $446,870 (19.5%) $640,548 (34.9%) 1.28 498
    2020-10-01 $457,000 (25.2%) $683,053 (45.5%) 1.31 442
    2020-11-01 $468,725 (27.4%) $728,509 (55.1%) 1.37 390
    2020-12-01 $473,425 (25.4%) $777,895 (58.2%) 1.41 310
    2021-01-01 $500,000 (26.4%) $770,285 (41.7%) 1.49 258
    2021-02-01 $483,720 (20.3%) $813,353 (41.4%) 1.41 220
    2021-03-01 $466,200 (13.5%) $781,237 (33.7%) 1.32 244
    2021-04-01 $485,150 (21.6%) $768,430 (46.8%) 1.31 250
    2021-05-01 $520,000 (22.2%) $764,640 (32.3%) 1.38 302
    2021-06-01 $493,450 (8.6%) $712,585 (14.0%) 1.30 424
    2021-07-01 $482,500 (4.3%) $654,788 (3.5%) 1.27 457
    2021-08-01 $495,675 (10.9%) $672,428 (5.1%) 1.32 547
    2021-09-01 $495,612 (10.9%) $650,149 (1.5%) 1.32 592
    2021-10-01 $491,900 (7.6%) $625,662 (-8.4%) 1.31 569
    2021-11-01 $491,704 (4.9%) $619,854 (-14.9%) 1.31 501
    2021-12-01 $510,634 (7.9%) $650,869 (-16.3%) 1.38 363
    2022-01-01 $499,950 (0.0%) $636,046 (-17.4%) 1.35 239
    2022-02-01 $534,950 (10.6%) $687,938 (-15.4%) 1.39 247
    2022-03-01 $525,000 (12.6%) $687,296 (-12.0%) 1.31 299
    2022-04-01 $565,000 (16.5%) $709,081 (-7.7%) 1.35 435
    2022-05-01 $580,000 (11.5%) $696,923 (-8.9%) 1.33 719
    2022-06-01 $585,000 (18.6%) $689,209 (-3.3%) 1.30 1,029
    2022-07-01 $562,000 (16.5%) $645,505 (-1.4%) 1.27 1,459
    2022-08-01 $545,450 (10.0%) $637,143 (-5.3%) 1.26 1,660
    2022-09-01 $537,445 (8.4%) $633,227 (-2.6%) 1.26 1,709
    2022-10-01 $529,995 (7.7%) $623,928 (-0.3%) 1.25 1,755
    2022-11-01 $524,745 (6.7%) $616,971 (-0.5%) 1.26 1,686
    2022-12-01 $525,485 (2.9%) $625,772 (-3.9%) 1.30 1,467
    2023-01-01 $544,500 (8.9%) $651,618 (2.5%) 1.35 1,178
    2023-02-01 $553,288 (3.4%) $677,770 (-1.5%) 1.34 1,037
    2023-03-01 $575,000 (9.5%) $679,475 (-1.1%) 1.36 964
    2023-04-01 $599,800 (6.2%) $704,833 (-0.6%) 1.39 877
    2023-05-01 $596,745 (2.9%) $695,223 (-0.2%) 1.35 999
    2023-06-01 $589,950 (0.9%) $700,904 (1.7%) 1.33 1,083
    2023-07-01 $585,000 (4.1%) $721,538 (11.8%) 1.33 1,167
    2023-08-01 $575,000 (5.4%) $715,872 (12.4%) 1.32 1,250
    2023-09-01 $574,945 (7.0%) $698,404 (10.3%) 1.34 1,360
    2023-10-01 $557,248 (5.1%) $694,364 (11.3%) 1.31 1,389
    2023-11-01 $550,000 (4.8%) $692,496 (12.2%) 1.31 1,373
    2023-12-01 $550,000 (4.7%) $693,606 (10.8%) 1.34 1,149
    2024-01-01 $559,947 (2.8%) $703,987 (8.0%) 1.37 1,020
    2024-02-01 $565,000 (2.1%) $708,070 (4.5%) 1.36 882
    2024-03-01 $564,995 (-1.7%) $711,758 (4.8%) 1.33 850
    2024-04-01 $576,000 (-4.0%) $724,595 (2.8%) 1.34 912
    2024-05-01 $589,722 (-1.2%) $745,853 (7.3%) 1.34 1,056
    2024-06-01 $575,000 (-2.5%) $728,427 (3.9%) 1.31 1,237
    2024-07-01 $572,000 (-2.2%) $720,399 (-0.2%) 1.31 1,368
    2024-08-01 $563,950 (-1.9%) $715,680 (0.0%) 1.31 1,406
    2024-09-01 $566,700 (-1.4%) $704,564 (0.9%) 1.33 1,514
    2024-10-01 $544,950 (-2.2%) $693,162 (-0.2%) 1.28 1,557
    2024-11-01 $539,900 (-1.8%) $674,970 (-2.5%) 1.30 1,547
    2024-12-01 $535,000 (-2.7%) $678,764 (-2.1%) 1.33 1,278
    2025-01-01 $525,000 (-6.2%) $671,064 (-4.7%) 1.31 1,234
    2025-02-01 $519,575 (-8.0%) $668,350 (-5.6%) 1.26 1,261
    2025-03-01 $529,000 (-6.4%) $673,206 (-5.4%) 1.25 1,334
    2025-04-01 $551,486 (-4.3%) $703,004 (-3.0%) 1.28 1,429
    Ogden's median listing price for 2025-04-01 was $551,486, a difference of $-24,514 (-4.3%) versus the prior year and $22,486 versus the prior month.

    Ogden's median listing price comes in at 128% of the national average.

    Ogden's average listing price for 2025-04-01 was $703,004, a difference of $-21,591 (-3.0%) versus the prior year and $29,798 versus the prior month.

    For the 2025-04-01 period, Ogden had 1,429 MLS listings, a difference of 95 listings (7%) versus the prior month and 517 listings (57%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ogden (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 53 days 2,979 sqft
    2018-02-01 39 days 3,061 sqft
    2018-03-01 33 days 3,178 sqft
    2018-04-01 31 days 3,165 sqft
    2018-05-01 29 days 3,100 sqft
    2018-06-01 32 days 3,106 sqft
    2018-07-01 33 days 3,012 sqft
    2018-08-01 33 days 2,928 sqft
    2018-09-01 35 days 2,879 sqft
    2018-10-01 39 days 2,864 sqft
    2018-11-01 45 days 2,843 sqft
    2018-12-01 53 days 2,891 sqft
    2019-01-01 61 days 2,989 sqft
    2019-02-01 48 days 3,007 sqft
    2019-03-01 40 days 3,088 sqft
    2019-04-01 37 days 3,142 sqft
    2019-05-01 30 days 3,057 sqft
    2019-06-01 32 days 3,024 sqft
    2019-07-01 34 days 2,969 sqft
    2019-08-01 36 days 2,875 sqft
    2019-09-01 37 days 2,776 sqft
    2019-10-01 38 days 2,706 sqft
    2019-11-01 44 days 2,694 sqft
    2019-12-01 54 days 2,756 sqft
    2020-01-01 66 days 2,932 sqft
    2020-02-01 37 days 2,974 sqft
    2020-03-01 24 days 2,948 sqft
    2020-04-01 28 days 2,820 sqft
    2020-05-01 40 days 2,975 sqft
    2020-06-01 30 days 3,049 sqft
    2020-07-01 31 days 2,925 sqft
    2020-08-01 24 days 2,738 sqft
    2020-09-01 22 days 2,695 sqft
    2020-10-01 20 days 2,598 sqft
    2020-11-01 23 days 2,665 sqft
    2020-12-01 31 days 2,485 sqft
    2021-01-01 26 days 2,475 sqft
    2021-02-01 9 days 2,626 sqft
    2021-03-01 3 days 2,417 sqft
    2021-04-01 4 days 2,559 sqft
    2021-05-01 8 days 2,668 sqft
    2021-06-01 9 days 2,432 sqft
    2021-07-01 11 days 2,361 sqft
    2021-08-01 15 days 2,403 sqft
    2021-09-01 17 days 2,408 sqft
    2021-10-01 22 days 2,322 sqft
    2021-11-01 24 days 2,264 sqft
    2021-12-01 37 days 2,395 sqft
    2022-01-01 37 days 2,318 sqft
    2022-02-01 22 days 2,421 sqft
    2022-03-01 21 days 2,253 sqft
    2022-04-01 19 days 2,404 sqft
    2022-05-01 23 days 2,458 sqft
    2022-06-01 25 days 2,528 sqft
    2022-07-01 31 days 2,377 sqft
    2022-08-01 38 days 2,373 sqft
    2022-09-01 45 days 2,375 sqft
    2022-10-01 50 days 2,376 sqft
    2022-11-01 57 days 2,352 sqft
    2022-12-01 66 days 2,384 sqft
    2023-01-01 73 days 2,446 sqft
    2023-02-01 57 days 2,501 sqft
    2023-03-01 48 days 2,573 sqft
    2023-04-01 44 days 2,712 sqft
    2023-05-01 37 days 2,667 sqft
    2023-06-01 38 days 2,669 sqft
    2023-07-01 43 days 2,628 sqft
    2023-08-01 45 days 2,533 sqft
    2023-09-01 46 days 2,536 sqft
    2023-10-01 48 days 2,509 sqft
    2023-11-01 54 days 2,502 sqft
    2023-12-01 65 days 2,456 sqft
    2024-01-01 71 days 2,445 sqft
    2024-02-01 57 days 2,477 sqft
    2024-03-01 46 days 2,459 sqft
    2024-04-01 39 days 2,543 sqft
    2024-05-01 35 days 2,670 sqft
    2024-06-01 40 days 2,506 sqft
    2024-07-01 44 days 2,502 sqft
    2024-08-01 50 days 2,494 sqft
    2024-09-01 50 days 2,460 sqft
    2024-10-01 50 days 2,375 sqft
    2024-11-01 57 days 2,354 sqft
    2024-12-01 65 days 2,317 sqft
    2025-01-01 73 days 2,268 sqft
    2025-02-01 62 days 2,245 sqft
    2025-03-01 47 days 2,287 sqft
    2025-04-01 44 days 2,363 sqft
    Ogden's median listing age (time on market) for 2025-04-01 was 44 days. This is 13% longer than the same period one year ago.

    Ogden's median square footage for active listings during the 2025-04-01 period was 2,363 sqft. One year prior, the average listing was 2,543 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).